“They’re stepping up to the table and they’re trying to act like grown-ups now,” said Katherine Cartwright of Criterion Global, a New York-based social-media consultant to Fortune 500 consumer brands.

Many advertisers balked at the sky-high rates for Snapchat’s “Discover” news platform, launched in January, which could top $750,000 per day.

This fall, however, Snapchat has been lining up big sponsors like Starbucks, Nordstrom and W Hotels for lower-cost campaigns that use filters and lenses to fill users’ photos with everything from tacos to runway fashions.

The data firms can tell advertisers which Snapchat users are millennials, whether they’ve recently booked a vacation and whether they’ve been shopping at competitors. But they also have security standards to protect individual identities even as they verify they are legitimate, notes Cartwright.

Snapchat CEO Evan SpiegelElla Pellegrini

“Snapchat knows where you are which, to a user and any kind of privacy person, is creepy as hell,” she notes.

Target lately has been creating location-based “geofilters” on Snapchat, including one for Black Friday shoppers waiting in the checkout line. It’s preparing a bunch of new ones for the holiday rush, Target spokeswoman Angie Thompson said.

“We always want to ensure we’re presenting the right content at the right time to our followers, and geofilters allow us to do that,” Thompson said.

Some teens may balk at the idea of weaving corporate logos into their personal communications, but most Snapchat users “were born into” the idea, says Mike Gamaroff, head of innovation at Kinetic Worldwide.

“They are not the skeptical, ‘hate The Man’ sort of people you’d expect,” Gamaroff says. “Still, it has to be fun. It has to be quirky content.”